What Moatly is, how it works, and what it deliberately won't do.
Moatly is a value investing platform — not a calculator. It's built around two questions: is this a good business, and what should you pay for it?
The analysis. Moatly scores companies on the 4M framework, calculates fair value from their actual financials, and subtracts a margin of safety to give you a buy price — so you know your number before emotion gets a vote.
The teaching. MoatlyAI is a mentor built in, wired into your real holdings and your real scores. Ask why a company's moat rates 68 and it answers from that company's financials, not generic commentary. Ask what a margin of safety actually is and it teaches you properly, at whatever depth you need.
The point isn't to hand you answers — it's to make you an investor who can find them.
Four questions value investors have used for decades:
Most tools measure the middle two and skip the first and last. Moatly scores all four.
No. Moatly is built for people who want a framework rather than a firehose.
Every score comes with an explanation of what it measures and why it matters, and MoatlyAI will walk you through any concept you haven't met before. If you already invest this way, it removes the arithmetic. If you're learning, it teaches while you use it.
Moatly estimates fair value three different ways — an earnings-based intrinsic value, a cash-flow-based owner-earnings valuation, and a payback-time calculation — then applies a margin of safety to arrive at a buy price.
Using three methods rather than one means a single bad assumption doesn't drive the whole answer. All three are shown, so you can see where they agree and where they don't.
Yes, and you should. The growth rate, future multiple, required return, and margin of safety are all adjustable.
The defaults are deliberately conservative — a 50% margin of safety is stricter than most investors use — and you can dial them to match your own risk tolerance. Watching how the buy price moves as you change inputs is one of the most useful things in the app.
Every company in the S&P 500 and Nasdaq 100, scored nightly on fresh financial data.
You can also run any ticker through the valuation page for a live analysis, even outside that universe.
Public company filings — income statements, balance sheets, and cash flow statements — sourced through a licensed market data provider and updated nightly.
Every score traces back to reported financials. There are no proprietary ratings or analyst opinions inside the numbers.
An AI mentor built into the app that's wired into your actual watchlist and real scores.
Ask why a company's moat rates 68 and it answers from that company's numbers, not generic internet commentary. It's designed to explain reasoning and teach concepts — closer to a patient analyst than a tipster.
No, deliberately.
Moatly shows you what a business scores, what it appears to be worth, and what price would give you a margin of safety. What you do with that is your decision — it depends on your time horizon, tax situation, and how confident you are in the business, none of which an app can know.
Stock tips make you dependent. A framework makes you capable.
Those platforms give you data, ratings, and opinions. None of them give you a number to act on.
Moatly's difference is that it ends in a decision point: here's what the business is worth, here's what you should pay, here's how far the price is from that.
It also scores Meaning — whether a business fits your own circle of competence — which no other tool attempts, because it requires knowing something about you.
$14.99/month for Investor, or $24.99/month with MoatlyAI included.
For comparison, Morningstar is $34.95 month-to-month and Seeking Alpha is around $25. Free to download and explore first.
Moatly is on iOS today. Android is planned — follow along on the site or on social to hear when it launches.
Score any stock on the 4M framework. Know what to pay before you buy.
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Moatly is an educational tool, not investment advice. Scores and valuations are estimates generated from public financial data and rest on assumptions that may prove wrong. Always do your own research and consider consulting a licensed financial advisor before investing.